Capital One Services, LLC

Brandee Shin

Rocky Gray

Justin Bachorik

Randall Randall

Disclosed herein are system, method, and device embodiments for time-based trust token (TBTT) depreciation. In an example embodiment, a service provider system (e.g., a service provider and API service) may receive a connection request including a demographic attribute associated with a first client account from a partner device, match the demographic attribute to client information associated with the first client account, send the partner device a connection request identifier and a URL including a depreciating token, and authenticate a second client account via a login page associated with the URL. Further, the service provider system may receive a verification request including the connection request identifier and the depreciating token, determine a security context of the depreciating token based on a depreciation function and the verification request, and determine, based on the security context, whether to create a connection between the second client account and partner device within the service provider system.

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Herndon, VA, United States of America

Brandee Shin